Enjoy a revolving line of credit from Citizens Pay™
- Flexible payments are eligible for purchases over $900
- Spread the cost of larger purchases over 12 or 18 months^
- Buy now, pay later starting at 0% APR with no money down and no interest or fees^
Buy now, pay later with Klarna
- Klarna offers a flexible way to pay for smaller purchases
- Pay in 4 interest-free installments over 6 weeks1, with no fees when paid on time
- There's no hard credit check, which means your credit report won't be affected
Frequently Asked Questions
Klarna, an alternative to traditional credit, enables you to buy now and pay later. Klarna allows you to spread the cost of your purchase in 4 equal, interest-free payments. When you apply for a Klarna One-time card to pay for your purchase, Klarna will run a soft credit check, which will not affect your credit.
Citizens Pay offers financing, a traditional form of credit. Financing with Citizens Pay allows you to spread the cost of your purchase over a longer period of time and requires a hard credit check for final loan approval.
A Citizens Pay Line of Credit lets approved customers make purchases at Microsoft Store for a low monthly price and no upfront cost.^ A Citizens Pay Line of Credit offers you a fixed interest rate of 0% APR for up to 18 months.^ You will receive a statement each month. Citizens Pay recommends setting up automatic payments to ensure that your bill is paid on time. This payment method offers $0 down and no interest or fees when you pay on time.
A Klarna One-time card is a virtual single-use card that can be used for shopping at any US-facing online store, including Microsoft Store. The card allows you to pay off your purchase in 4 equal payments over 6 weeks, or if you qualify, spread your payments over 6 months. Every time you create a One-time card using your personal debit or credit card, you will be given a unique card number that you can use during checkout when completing your purchase, like any regular credit card. Each Klarna One-time card then follows its own payment plan that you can pay and manage in the Klarna app or on Klarna.com. Visit Klarna.com to learn more.
Consider applying for a Citizens Pay Line of Credit if you want to purchase a minimum of $900 worth of product from Microsoft Store, want to pay off your purchase over a longer stretch of time (12 or 18 months), and are looking for a line of traditional credit. This payment method offers $0 down and no interest or fees when you pay on time after you pass a hard credit check. Learn more here.
Consider using a Klarna One-time card for smaller purchases, if you want to pay off your purchase in installments of 4 equal payments over 6 weeks, or if you are looking for an alternative to traditional credit that does not involve a hard credit check. This payment method offers $0 down and no interest or fees when you pay on time. Learn more here. If you qualify, Klarna also offers enhanced financing that allows shoppers to spread the cost over a longer period of time (6 months), with interest rates as low as 0% for up to 6 months. Visit Klarna.com to learn more.
Yes, you must have a minimum initial purchase of $900 of qualifying products in your cart before taxes and shipping to apply for pre-approval. Only recurring subscriptions, gift cards, and pre-orders do not qualify.
You must have a minimum of $900 in qualifying products in your cart pre-tax and shipping before you are eligible to apply for qualification for a Citizens Pay Line of Credit. Once you have filled your cart with qualifying items totaling a minimum of $900 before taxes and shipping, go to checkout and sign into your Microsoft Account. Select ‘payment type’ and in the drop-down menu, choose ‘Citizen’s Pay.’ Fill out the form completely and then submit your application. If you are approved, you will be informed that you have a revolving line of credit available to use at checkout.
A Citizens Pay Line of Credit for Microsoft Store has no application fees and no interest or fees when you pay on time. However, late payments may be reported to the credit bureaus. For more information regarding fees assessed for late payment, please review Citizens Pay Line of Credit Terms & Conditions.
There are no fees incurred when you pay on time. The Klarna One-time card allows shoppers to buy now and spread the cost over time with interest rates as low as 0% for up to 6 months. There are no fees incurred when you pay on time. The Klarna One-time card allows shoppers to buy now and spread the cost over time with interest rates as low as 0% for up to 6 months.
When you submit an application to Citizens Pay, Citizens Pay first checks eligibility using a soft credit check, which will not impact your credit report or score. If you qualify in the pre-approval process, at that time, Citizens Pay will do a hard credit check, which may impact your credit score.
Your credit report will be impacted after you are qualified in the pre-approval process.
When you use Klarna to split your purchase into 4 interest-free payments, Klarna will run a soft credit check, which will not affect your score. There is no hard credit check when signing up for the Klarna One-time card.
Microsoft does not extend credit and does not determine credit terms or eligibility.
Citizens Pay Line of Credit Account is offered by Citizens Bank, N.A., and serviced by Citizens Bank. Citizens Bank determines terms and qualifications for credit.
Klarna financing is offered by WebBank, Member FDIC, and serviced by Klarna Credit. WebBank determines qualifications for, and terms of, credit.
For any questions about your Citizens Pay Line of Credit, please use this Citizens Pay online service or contact Citizens Pay representatives at 1-877-405-2344 during these hours: 8 am to 12 am Eastern Time Monday through Friday, and 9 am to 9 pm Saturday and Sunday.
Microsoft Store is here to answer your questions or address any concerns you may have about the products or services you purchase from us. Please contact us at 1-877-696-7786 to speak with our customer service team.
Recurring subscriptions, gift cards, and pre-orders are excluded from the Klarna One-time card and Citizens Pay Line of Credit financing. For pre-orders, please use a standard credit card to ensure that you are charged only when your order ships.
The Microsoft Store Promise
Microsoft Store offers world-class customer support and guidance, ensuring that our customers find the best devices, games, apps, software, and resources for their personal and professional needs. Learn more.
Fast, free shipping
Get your gifts in 2-3 days with no minimum purchase required.
Extended free returns
We’ve extended our time frame for free returns this holiday season. Eligible products purchased between now and December 31, 2021 can be returned through January 31, 2022.*
Pick the perfect gift with a product expert
Book a free online appointment or chat live with a Microsoft Store associate who’ll help you choose the right computer, Microsoft 365 plan, gaming products, and more.
Our best price of the season
If you find we offer a lower price on a product purchased at Microsoft Store between now and January 2, 2022, we'll refund you the difference. Just make sure the item is discounted and in stock at the time of your request. Some exclusions may apply.**
^ With approval of Citizens Pay Line of Credit at 0% APR and 12- or 18-month term. Subject to individual credit approval. See the Citizens Pay Line of Credit Agreement at https://www.citizensbank.com/disclosures/MSStores.aspx for full terms and conditions. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A.
 See payment terms. A higher initial payment may be required for some consumers. Monthly financing through Klarna issued by WebBank, member FDIC. Other CA resident loans made or arranged pursuant to a California Finance Lenders Law license.
*Available with eligible purchases made at Microsoft Store in the United States (including Puerto Rico) and Canada from October 1, 2021 through December 31, 2021; purchases can be returned through January 31, 2022. Items can be returned by contacting online Customer Service by chat or phone at 1-877-696-7786. Available with consumer purchases only. Not available for purchases made by any business, commercial, or reseller customers. The Microsoft Store standard return policy applies to extended holiday returns. Please see the Microsoft Terms of Sale for more information. For Surface purchases, you may be entitled to additional benefits under the Microsoft Store Promise for Surface. Microsoft reserves the right to modify or discontinue offers at any time. Other exclusions and limitations may apply.
**Offer valid from 12AM PT November 1, 2021 to 11:59PM PT through January 2, 2022 (“Offer Period”) on qualifying purchases of select physical goods made at Microsoft Store in the United States (including Puerto Rico) and Canada during the Offer Period. Excludes certified refurbished devices, Surface for Business devices, and all digital services and products. Customer eligible for price adjustment only if 1) Customer purchases eligible item during the Offer Period, (2) the price of the item is reduced during the Offer Period, and 3) Customer requests a price adjustment while the item’s price is currently reduced and in-stock for purchase. Customer must contact Microsoft Store Sales and Support at 1-877-696-7786 with order number and any other information requested by the Store Sales representative. Refunds will be provided to Customer in same manner as item was purchased (credit card use will be credited to original card). Maximum of one price adjustment per item will be granted during Offer Period. Bulk buys of more than two of the same device, per customer’s Microsoft Account, will not qualify for price adjustments. For Surface purchases, you may be entitled to additional benefits under the Microsoft Store Promise for Surface. Price adjustments do not include taxes, or shipping or other fees. Microsoft reserves the right to modify or discontinue offers at any time. Other exclusions and limitations may apply.